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About Motor Insurance

Motor Insurance or car insurance policy financially protects your vehicle against any accidental physical damages and protects you against third-party legal liability arising out of your vehicle in the form of injury, death and property damage.

National Life & General Insurance offers various plans that are curated to suit your budget and requirements; making us the fastest growing insurance company in Kuwait

GET A FREE MOTOR INSURANCE QUOTE
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Types of Motor Insurance Policies

We provide a wide range of car insurance covers in Kuwait that fits your needs:

Motor own damage insurance in Kuwait covers accidental physical damages suffered by the vehicle insured under the policy. Our motor own damages insurance offers,

  • Agency Repairs upto 5 years model
  • Zero Excess and Zero Depreciation upto 5 years model
  • Unknown accidents coverage
  • One time Agency coverage for Front glass upto 5 years model
  • Replacement Car
  • Road Side Assistance

Optional benefits of Motor Own Damage Insurance:

  • Waiver of Subrogation
  • Replacement Car
  • Roadside Assistance
  • Personal Accident

Third party motor insurance policy in Kuwait covers against claims from third party for injury, death and property damages. It is mandatory for all motor vehicles as stipulated by law.

Motor Own Damage Insurance

Motor own damage insurance in Kuwait covers accidental physical damages suffered by the vehicle insured under the policy. Our motor own damages insurance offers,

  • Agency Repairs upto 5 years model
  • Zero Excess and Zero Depreciation upto 5 years model
  • Unknown accidents coverage
  • One time Agency coverage for Front glass upto 5 years model
  • Replacement Car
  • Road Side Assistance

Optional benefits of Motor Own Damage Insurance:

  • Waiver of Subrogation
  • Replacement Car
  • Roadside Assistance
  • Personal Accident
Motor Third Party Liability Insurance

Third party motor insurance policy in Kuwait covers against claims from third party for injury, death and property damages. It is mandatory for all motor vehicles as stipulated by law.

NLG KUWAIT MOTOR INSURANCE PLANS
PLANS APPLICABLE FOR
PRIVATE INDIVIDUALS / SALOON & 4WD / INSURED AGE > 21 YEARS / MAX SI KD 40,000
(Sports, Coupe, Chinese, Luxury & High Value cars are excluded)
Max Sum Insured KD 3000
2008 Model onwards
PLAN NAME
PEARL PLAN
GOLD PLAN
SILVER PLAN
BASIC PLAN
CAR AGE
Upto 3 years
(2021, 2020 and 2019)
Upto 5 years
(2021 – 2017)
Above 5 Years & Upto 10 Years
(2016 – 2012 )
50% Cover
(2011 – 2008)
Repairs Agency Agency Outside Agency Outside Agency with 50% Depreciation
Front Glass Agency onetime & Second time 50% or outside Agency onetime & Second time 50% or outside Outside without Excess Outside without Excess
Unknown Accidents Upto 10% of SI or KD 1000 per claim covered, above that 25% excess Upto 10% of SI or KD 1000 per Year, above that 25% excess Upto 10% of SI or KD 500 per Year, above that 50% excess 50% Excess for all unknown claims
Excess NIL NIL NIL KD 25
Depreciation NIL NIL 10% for Year 6; 20% for Year 7; 30% for Year 8 50%
TL – Known Accidetns Depreciation 10%-15%-20%-25% Depreciation 10%-15%-20%-25% Depreciation 10%-15%-20%-25% Depreciation 50%
TL-Unknown Accidents (Driver Outside) Depreciation 25% Depreciation 25% Depreciation 25% Depreciation – 50%
Tires 100% Covered for Known Accidents & 50% covered for unknown accidents. 50% Covered for Known Accidents & not covered for unknown accidents. Not Covered Not Covered
Wheelrims 100% Covered for Known Accidents & 50% covered for unknown accidents. 100% Covered for Known Accidents & 50% covered for unknown accidents. 50% Covered for Known Accidents & not covered for unknown accidents. 50% Covered for Known Accidents & not covered for unknown accidents.
Theft of vehicle 65% Covered 65% Covered 65% Covered 50% Covered
PA Cover Only for the owner KD 2000  Aggregate / Year Not Covered Not Covered Not Covered
Sum Insured Aggregate Aggregate Aggregate Aggregate
Scratches & Dents Not Covered Not Covered Not Covered Not Covered

Who can buy our Motor Insurance Policy?

  • Kuwait Citizens/Residents with a valid Resident Visa

How to Buy?

DOWNLOAD OUR APP
CUSTOMER PORTAL
WHATSAPP
FILL THE FORM

Buy Motor Own Damage Insurance With NLG Insurance App

Why National Life & General Insurance Co. SAOG (NLG)

  • Competitive rates
  • Policy issuance in no time (online option is available)
  • Swift and easy procedures
  • Transparent and fast claims processing

How to Submit your Claim

All car insurance related claims are settled in a jiffy, made easier with our smart phone self- inspection app and zero physical paperwork involved!

3 important steps to file a claim on your car insurance online:

  • Step 1 – Register the claim via:
  • Step 2 – Send the vehicle for repair estimation
  • Step 3 – Survey and claim settlement

We offer easy claims submission process for a smooth and time-saving experience. Check our detailed claims process here.

Refer to Motor Insurance Policy Wordings to know more about all the limits, exclusions of the policy beforehand, to avoid any hassles.

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